Whether you are managing your own finances or determining your investing strategy, Time Value of Money (TVM) is an important concept to comprehend. One critical factor is inflation the effect that causes everything to rise in price over time. Gold per gram was? 133 back in 1980. Fast- forward 40 years, it costs? 4633. Your ?133 was worth much more 40 years ago than it's worth today. But what can counteract the negative impacts of inflation? Yes, you are right...It is Investing. TVM could help your money keep up with even exceed -- the rate of inflation, since interest and investment returns compound in value over time. As my financial adviser advise me on the following. I have received four